{"id":4627,"date":"2024-02-06T08:20:53","date_gmt":"2024-02-06T08:20:53","guid":{"rendered":"https:\/\/thedocegroup.com\/?page_id=4627"},"modified":"2026-02-05T16:39:13","modified_gmt":"2026-02-05T16:39:13","slug":"emprestimos-convencionais","status":"publish","type":"page","link":"https:\/\/thedocegroup.com\/pt\/conventional-loans\/","title":{"rendered":"Empr\u00e9stimos convencionais"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"4627\" class=\"elementor elementor-4627\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e82d4b5 elementor-section-content-middle flex-column elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e82d4b5\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-259aecd\" data-id=\"259aecd\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-91273fd elementor-widget elementor-widget-heading\" data-id=\"91273fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Explorando os empr\u00e9stimos convencionais: Principais percep\u00e7\u00f5es para compradores de im\u00f3veis<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18155f5 elementor-widget elementor-widget-text-editor\" data-id=\"18155f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Desbloqueie o potencial da casa pr\u00f3pria com empr\u00e9stimos convencionais, oferecendo uma combina\u00e7\u00e3o de flexibilidade, acessibilidade e diversidade de op\u00e7\u00f5es de propriedades para atender a v\u00e1rias necessidades dos compradores de im\u00f3veis.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-e0b5c58\" data-id=\"e0b5c58\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-035d16b elementor-invisible elementor-widget elementor-widget-image\" data-id=\"035d16b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1835\" height=\"2096\" src=\"https:\/\/thedocegroup.com\/wp-content\/uploads\/2024\/01\/FHA-Loans.webp\" class=\"attachment-full size-full wp-image-4282\" alt=\"Empr\u00e9stimos convencionais e empr\u00e9stimos FHA em Fort Lauderdale\" srcset=\"https:\/\/thedocegroup.com\/wp-content\/uploads\/2024\/01\/FHA-Loans.webp 1835w, https:\/\/thedocegroup.com\/wp-content\/uploads\/2024\/01\/FHA-Loans-263x300.webp 263w, https:\/\/thedocegroup.com\/wp-content\/uploads\/2024\/01\/FHA-Loans-896x1024.webp 896w, https:\/\/thedocegroup.com\/wp-content\/uploads\/2024\/01\/FHA-Loans-768x877.webp 768w, https:\/\/thedocegroup.com\/wp-content\/uploads\/2024\/01\/FHA-Loans-1345x1536.webp 1345w, https:\/\/thedocegroup.com\/wp-content\/uploads\/2024\/01\/FHA-Loans-1793x2048.webp 1793w\" sizes=\"(max-width: 1835px) 100vw, 1835px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2c058e2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2c058e2\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-12da084\" data-id=\"12da084\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6465bab elementor-widget elementor-widget-heading\" data-id=\"6465bab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pontos principais<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-d1798b1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d1798b1\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-385aa45\" data-id=\"385aa45\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e612eae white-icon elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"e612eae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"200\" height=\"200\" viewbox=\"0 0 200 200\" fill=\"none\"><path d=\"M156.62 71.7734L134.5 71.7734L164.633 34L195.5 71.7734L173.256 71.7734L173.256 118L156.62 118L156.62 71.7734ZM159.9 67.875L142.548 67.875L142.543 67.8809L159.9 67.8809L159.9 67.875ZM187.333 67.8809L187.328 67.875L170.1 67.875L170.1 67.8809L187.333 67.8809Z\" fill=\"#196D4E\"><\/path><path d=\"M26.6201 71.7734L4.5 71.7734L34.6328 34L65.5 71.7734L43.2559 71.7734L43.2559 118L26.6201 118L26.6201 71.7734ZM29.9004 67.875L12.5479 67.875L12.543 67.8809L29.9004 67.8809L29.9004 67.875ZM57.333 67.8809L57.3281 67.875L40.0996 67.875L40.0996 67.8809L57.333 67.8809Z\" fill=\"#196D4E\"><\/path><path d=\"M91.6201 45.7734L69.5 45.7734L99.6328 8L130.5 45.7734L108.256 45.7734L108.256 92L91.6201 92L91.6201 45.7734ZM94.9004 41.875L77.5479 41.875L77.543 41.8809L94.9004 41.8809L94.9004 41.875ZM122.333 41.8809L122.328 41.875L105.1 41.875L105.1 41.8809L122.333 41.8809Z\" fill=\"#196D4E\"><\/path><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M129.25 104H71.1906L82.8733 121.522H117.564L129.25 104ZM63.3333 148.746L81.9253 127.056H118.519L137.111 148.746V164.867C137.111 170.737 134.779 176.366 130.628 180.517C126.478 184.668 120.848 187 114.978 187H85.4666C79.5965 187 73.9668 184.668 69.816 180.517C65.6651 176.366 63.3333 170.737 63.3333 164.867V148.746ZM95.611 143.656H97.4555V139.044H102.989V143.656H104.833C108.397 143.656 111.289 146.548 111.289 150.111V151.956H105.755V150.111C105.755 149.867 105.658 149.632 105.485 149.459C105.312 149.286 105.078 149.189 104.833 149.189H95.611C95.3664 149.189 95.1319 149.286 94.9589 149.459C94.786 149.632 94.6888 149.867 94.6888 150.111V151.764C94.6887 151.973 94.7599 152.176 94.8906 152.34C95.0213 152.504 95.2039 152.618 95.4081 152.664L106.231 155.069C107.665 155.388 108.947 156.186 109.865 157.331C110.784 158.477 111.285 159.901 111.285 161.37V164.867C111.285 166.579 110.605 168.221 109.394 169.431C108.184 170.642 106.542 171.322 104.83 171.322H102.985V175.933H97.4518V171.322H95.6073C93.8959 171.321 92.2548 170.641 91.045 169.43C89.8351 168.22 89.1555 166.578 89.1555 164.867V163.022H94.6888V164.867C94.6888 165.376 95.1057 165.789 95.611 165.789H104.833C105.078 165.789 105.312 165.692 105.485 165.519C105.658 165.346 105.755 165.111 105.755 164.867V161.37C105.756 161.16 105.684 160.957 105.554 160.793C105.423 160.63 105.24 160.516 105.036 160.47L94.2129 158.064C92.7789 157.746 91.4962 156.949 90.5767 155.803C89.6572 154.658 89.1559 153.233 89.1555 151.764V150.111C89.1555 146.548 92.0439 143.656 95.611 143.656Z\" fill=\"#196D4E\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Diversas op\u00e7\u00f5es de empr\u00e9stimo<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e4c52c7 elementor-widget elementor-widget-text-editor\" data-id=\"e4c52c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Os empr\u00e9stimos convencionais incluem empr\u00e9stimos em conformidade e empr\u00e9stimos jumbo, acomodando uma variedade de necessidades de empr\u00e9stimo.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-901ecb2\" data-id=\"901ecb2\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fcc9c31 white-icon elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"fcc9c31\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"200\" height=\"200\" viewbox=\"0 0 200 200\" fill=\"none\"><path d=\"M176.519 107.343H167.021C166.517 107.343 166.034 107.543 165.677 107.9C165.321 108.257 165.121 108.741 165.121 109.246V109.471L178.418 120.128V109.246C178.418 108.741 178.218 108.257 177.862 107.9C177.506 107.543 177.022 107.343 176.519 107.343Z\" fill=\"#196D4E\"><\/path><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M179.774 135.184L182.844 137.644C183.455 138.12 184.229 138.336 184.998 138.246C185.767 138.155 186.47 137.764 186.953 137.158C187.437 136.552 187.662 135.78 187.58 135.009C187.499 134.238 187.117 133.531 186.517 133.039L154.628 107.505C152.018 105.414 148.774 104.275 145.432 104.275C142.089 104.275 138.846 105.414 136.236 107.505L104.346 133.039C103.736 133.528 103.345 134.238 103.258 135.015C103.172 135.792 103.397 136.571 103.885 137.182C104.372 137.793 105.082 138.184 105.859 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148.27 159.647 150.12 159.907 152.053C160.134 153.742 160.15 155.824 160.15 158.232V175.608H154.263V158.912C154.263 156.052 154.255 154.198 154.074 152.839C153.901 151.562 153.627 151.161 153.399 150.937C153.171 150.713 152.775 150.435 151.499 150.262C150.137 150.081 148.289 150.073 145.432 150.073C142.574 150.073 140.722 150.081 139.364 150.262C138.088 150.435 137.688 150.713 137.464 150.937C137.24 151.161 136.962 151.562 136.789 152.839C136.608 154.202 136.601 156.052 136.601 158.912V175.608H130.713V158.716C130.713 156.107 130.713 153.856 130.957 152.053C131.216 150.12 131.8 148.27 133.3 146.769C134.799 145.269 136.652 144.683 138.579 144.424C140.38 144.18 142.629 144.18 145.239 144.18H145.628Z\" fill=\"#196D4E\"><\/path><circle cx=\"145.564\" cy=\"129.521\" r=\"5.94039\" fill=\"#196D4E\"><\/circle><path d=\"M158.886 35.5223C158.886 29.3846 153.916 24.4065 147.79 24.4065H107.635C105.593 24.4065 103.937 22.7485 103.937 20.7032C103.937 18.658 105.593 17 107.635 17H147.79C158.005 17 166.282 25.2983 166.283 35.5223V61.9677H183.937L162.584 99L141.231 61.9677H158.886V35.5223Z\" fill=\"#196D4E\"><\/path><path d=\"M32.9883 162.478C32.9885 168.615 37.9581 173.594 44.0837 173.594L84.2385 173.594C86.2812 173.594 87.937 175.252 87.937 177.297C87.937 179.342 86.2812 181 84.2385 181L44.0837 181C33.8687 181 25.5915 172.702 25.5914 162.478L25.5914 136.032L7.93701 136.032L29.2899 99L50.6428 136.032L32.9884 136.032L32.9883 162.478Z\" fill=\"#196D4E\"><\/path><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M18.937 95V35.1111C18.937 27.0432 18.937 23.0136 21.4072 20.5068C23.8773 18 27.8482 18 35.7982 18H77.9513C81.4584 18 84.1815 18 86.3987 18.1155C81.7581 18.6378 77.4702 20.8786 74.356 24.4091C71.2419 27.9396 69.5202 32.5117 69.5207 37.25V52.2222L69.1033 94.8588L56.8748 90.7222L44.2288 95L31.5829 90.7222L18.937 95ZM96.937 50.0758H75.8605V35.1036C75.8605 32.2672 76.9708 29.5471 78.9471 27.5415C80.9234 25.5359 83.6038 24.4091 86.3987 24.4091C89.1937 24.4091 91.8741 25.5359 93.8504 27.5415C95.8267 29.5471 96.937 32.2672 96.937 35.1036V50.0758ZM27.3676 35.1111C27.3676 33.9766 27.8117 32.8885 28.6023 32.0863C29.3928 31.284 30.465 30.8333 31.5829 30.8333H56.8748C57.9927 30.8333 59.0649 31.284 59.8554 32.0863C60.6459 32.8885 61.0901 33.9766 61.0901 35.1111C61.0901 36.2456 60.6459 37.3337 59.8554 38.136C59.0649 38.9382 57.9927 39.3889 56.8748 39.3889H31.5829C30.465 39.3889 29.3928 38.9382 28.6023 38.136C27.8117 37.3337 27.3676 36.2456 27.3676 35.1111ZM27.3676 52.2222C27.3676 51.0877 27.8117 49.9996 28.6023 49.1974C29.3928 48.3951 30.465 47.9444 31.5829 47.9444H40.0135C41.1315 47.9444 42.2037 48.3951 42.9942 49.1974C43.7847 49.9996 44.2288 51.0877 44.2288 52.2222C44.2288 53.3568 43.7847 54.4448 42.9942 55.2471C42.2037 56.0493 41.1315 56.5 40.0135 56.5H31.5829C30.465 56.5 29.3928 56.0493 28.6023 55.2471C27.8117 54.4448 27.3676 53.3568 27.3676 52.2222ZM27.3676 69.3333C27.3676 68.1988 27.8117 67.1107 28.6023 66.3085C29.3928 65.5062 30.465 65.0556 31.5829 65.0556H48.4441C49.5621 65.0556 50.6343 65.5062 51.4248 66.3085C52.2153 67.1107 52.6594 68.1988 52.6594 69.3333C52.6594 70.4679 52.2153 71.5559 51.4248 72.3582C50.6343 73.1604 49.5621 73.6111 48.4441 73.6111H31.5829C30.465 73.6111 29.3928 73.1604 28.6023 72.3582C27.8117 71.5559 27.3676 70.4679 27.3676 69.3333Z\" fill=\"#196D4E\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Flexibilidade nos termos e tipos de propriedade<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3849cca elementor-widget elementor-widget-text-editor\" data-id=\"3849cca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Adequado para v\u00e1rias propriedades, incluindo segundas resid\u00eancias e propriedades de investimento, com diversas op\u00e7\u00f5es de prazo, como 10, 15, 20, 25 e 30 anos.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-7296c56\" data-id=\"7296c56\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-aafcc3c white-icon elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"aafcc3c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"200\" height=\"200\" viewbox=\"0 0 200 200\" fill=\"none\"><path d=\"M35.514 142.125V177H29.2764C25.7895 177 23 174.21 23 170.761V148.403C23 144.954 25.8282 142.125 29.2764 142.125H35.514ZM79.1387 136.312H60.6195V122.75C60.6195 118.487 57.1327 115 52.9097 115H52.561C51.0113 115 49.6165 115.93 48.9966 117.364L38.4198 142.125V177H74.0634C76.8916 177 79.2937 174.985 79.7974 172.195L84.9115 143.133C85.5314 139.568 82.8193 136.312 79.1775 136.312H79.1387Z\" fill=\"#196D4E\"><\/path><path d=\"M162.486 142.125V177H168.724C172.21 177 175 174.21 175 170.761V148.403C175 144.954 172.172 142.125 168.724 142.125H162.486ZM118.861 136.312H137.38V122.75C137.38 118.487 140.867 115 145.09 115H145.439C146.989 115 148.383 115.93 149.003 117.364L159.58 142.125V177H123.937C121.108 177 118.706 174.985 118.203 172.195L113.089 143.133C112.469 139.568 115.181 136.312 118.823 136.312H118.861Z\" fill=\"#196D4E\"><\/path><path d=\"M156.62 60.7734L134.5 60.7734L164.633 23L195.5 60.7734L173.256 60.7734L173.256 107L156.62 107L156.62 60.7734ZM159.9 56.875L142.548 56.875L142.543 56.8809L159.9 56.8809L159.9 56.875ZM187.333 56.8809L187.328 56.875L170.1 56.875L170.1 56.8809L187.333 56.8809Z\" fill=\"#196D4E\"><\/path><path d=\"M26.6201 60.7734L4.5 60.7734L34.6328 23L65.5 60.7734L43.2559 60.7734L43.2559 107L26.6201 107L26.6201 60.7734ZM29.9004 56.875L12.5479 56.875L12.543 56.8809L29.9004 56.8809L29.9004 56.875ZM57.333 56.8809L57.3281 56.875L40.0996 56.875L40.0996 56.8809L57.333 56.8809Z\" fill=\"#196D4E\"><\/path><path d=\"M104.163 86.6875C104.163 87.9242 103.672 89.1103 102.797 89.9848C101.923 90.8593 100.737 91.3506 99.5 91.3506C98.2633 91.3506 97.0772 90.8593 96.2027 89.9848C95.3282 89.1103 94.8369 87.9242 94.8369 86.6875C94.8369 85.4508 95.3282 84.2647 96.2027 83.3902C97.0772 82.5157 98.2633 82.0244 99.5 82.0244C100.737 82.0244 101.923 82.5157 102.797 83.3902C103.672 84.2647 104.163 85.4508 104.163 86.6875Z\" fill=\"#196D4E\"><\/path><path d=\"M106.796 39L116.682 52.8524L123.201 50.6297L129.151 68.0354H132.141V105.34H66.8584V68.0354H68.4438V68.0043L70.4583 68.023L106.796 39ZM91.4079 68.0354H122.582L119.358 58.6067L114.627 60.1206L91.4079 68.0354ZM86.5645 63.1143L110.536 54.9477L105.549 47.9531L86.5645 63.1143ZM79.2933 74.2528H73.0758V80.4703C74.7248 80.4703 76.3062 79.8152 77.4722 78.6492C78.6382 77.4832 79.2933 75.9018 79.2933 74.2528ZM110.38 86.6877C110.38 85.2589 110.099 83.844 109.552 82.5239C109.005 81.2038 108.204 80.0044 107.194 78.994C106.183 77.9837 104.984 77.1822 103.664 76.6354C102.344 76.0886 100.929 75.8072 99.4999 75.8072C98.0711 75.8072 96.6562 76.0886 95.3361 76.6354C94.016 77.1822 92.8166 77.9837 91.8062 78.994C90.7959 80.0044 89.9944 81.2038 89.4476 82.5239C88.9008 83.844 88.6194 85.2589 88.6194 86.6877C88.6194 89.5734 89.7657 92.3409 91.8062 94.3814C93.8467 96.4219 96.6142 97.5682 99.4999 97.5682C102.386 97.5682 105.153 96.4219 107.194 94.3814C109.234 92.3409 110.38 89.5734 110.38 86.6877ZM125.924 99.1226V92.9051C124.275 92.9051 122.694 93.5602 121.528 94.7262C120.362 95.8922 119.707 97.4736 119.707 99.1226H125.924ZM119.707 74.2528C119.707 75.9018 120.362 77.4832 121.528 78.6492C122.694 79.8152 124.275 80.4703 125.924 80.4703V74.2528H119.707ZM73.0758 99.1226H79.2933C79.2933 97.4736 78.6382 95.8922 77.4722 94.7262C76.3062 93.5602 74.7248 92.9051 73.0758 92.9051V99.1226Z\" fill=\"#196D4E\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Vantagens financeiras<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3738d9d elementor-widget elementor-widget-text-editor\" data-id=\"3738d9d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Taxas competitivas, possibilidade de redu\u00e7\u00e3o dos juros totais pagos e flexibilidade com o Private Mortgage Insurance.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-baaea43 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"baaea43\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e764580\" data-id=\"e764580\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-40d9243 elementor-widget elementor-widget-heading\" data-id=\"40d9243\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Empr\u00e9stimos convencionais<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-47084aa elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"47084aa\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-887ebbf rate_boxes_col\" data-id=\"887ebbf\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-77a14f7 flex-column elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"77a14f7\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-4a97f96\" data-id=\"4a97f96\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f0649b7 elementor-widget elementor-widget-heading\" data-id=\"f0649b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Quais s\u00e3o as vantagens?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ea17f39 elementor-align-start elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"ea17f39\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\"><g clip-path=\"url(#clip0_426_2)\"><mask id=\"mask0_426_2\" style=\"mask-type:luminance\" maskunits=\"userSpaceOnUse\" x=\"0\" y=\"0\" width=\"22\" height=\"22\"><path d=\"M22 0H0V22H22V0Z\" fill=\"white\"><\/path><\/mask><g mask=\"url(#mask0_426_2)\"><path d=\"M10.8621 21.7242C16.8611 21.7242 21.7242 16.8611 21.7242 10.8621C21.7242 4.86313 16.8611 0 10.8621 0C4.86313 0 0 4.86313 0 10.8621C0 16.8611 4.86313 21.7242 10.8621 21.7242Z\" fill=\"#0F6646\"><\/path><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M16.0329 7.13074C16.1852 7.28311 16.2708 7.48973 16.2708 7.70518C16.2708 7.92062 16.1852 8.12725 16.0329 8.27961L9.94295 14.3696C9.86247 14.4501 9.76692 14.5139 9.66176 14.5575C9.5566 14.6011 9.44388 14.6235 9.33005 14.6235C9.21622 14.6235 9.10351 14.6011 8.99835 14.5575C8.89319 14.5139 8.79764 14.4501 8.71716 14.3696L5.69141 11.3444C5.6138 11.2694 5.55191 11.1798 5.50932 11.0806C5.46674 10.9815 5.44433 10.8749 5.44339 10.767C5.44245 10.6591 5.46301 10.5521 5.50386 10.4523C5.54472 10.3524 5.60505 10.2617 5.68134 10.1854C5.75762 10.1091 5.84834 10.0488 5.94819 10.008C6.04805 9.96709 6.15504 9.94654 6.26292 9.94747C6.3708 9.94841 6.47742 9.97082 6.57655 10.0134C6.67568 10.056 6.76533 10.1179 6.84028 10.1955L9.32978 12.685L14.8835 7.13074C14.9589 7.05524 15.0485 6.99534 15.1471 6.95448C15.2458 6.91361 15.3515 6.89258 15.4582 6.89258C15.5649 6.89258 15.6706 6.91361 15.7692 6.95448C15.8679 6.99534 15.9575 7.05524 16.0329 7.13074Z\" fill=\"white\"><\/path><\/g><\/g><defs><clippath id=\"clip0_426_2\"><rect width=\"22\" height=\"22\" fill=\"white\"><\/rect><\/clippath><\/defs><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Taxas de juros mais baixas para prazos mais curtos:<\/b> <br>Empr\u00e9stimos de curto prazo, como as op\u00e7\u00f5es de 10, 15 e 20 anos, normalmente oferecem taxas de juros mais baixas, ajudando os mutu\u00e1rios a construir o patrim\u00f4nio l\u00edquido da casa pr\u00f3pria mais rapidamente e, ao mesmo tempo, economizando em juros durante a vida \u00fatil do empr\u00e9stimo.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\"><g clip-path=\"url(#clip0_426_2)\"><mask id=\"mask0_426_2\" style=\"mask-type:luminance\" maskunits=\"userSpaceOnUse\" x=\"0\" y=\"0\" width=\"22\" height=\"22\"><path d=\"M22 0H0V22H22V0Z\" fill=\"white\"><\/path><\/mask><g mask=\"url(#mask0_426_2)\"><path d=\"M10.8621 21.7242C16.8611 21.7242 21.7242 16.8611 21.7242 10.8621C21.7242 4.86313 16.8611 0 10.8621 0C4.86313 0 0 4.86313 0 10.8621C0 16.8611 4.86313 21.7242 10.8621 21.7242Z\" fill=\"#0F6646\"><\/path><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M16.0329 7.13074C16.1852 7.28311 16.2708 7.48973 16.2708 7.70518C16.2708 7.92062 16.1852 8.12725 16.0329 8.27961L9.94295 14.3696C9.86247 14.4501 9.76692 14.5139 9.66176 14.5575C9.5566 14.6011 9.44388 14.6235 9.33005 14.6235C9.21622 14.6235 9.10351 14.6011 8.99835 14.5575C8.89319 14.5139 8.79764 14.4501 8.71716 14.3696L5.69141 11.3444C5.6138 11.2694 5.55191 11.1798 5.50932 11.0806C5.46674 10.9815 5.44433 10.8749 5.44339 10.767C5.44245 10.6591 5.46301 10.5521 5.50386 10.4523C5.54472 10.3524 5.60505 10.2617 5.68134 10.1854C5.75762 10.1091 5.84834 10.0488 5.94819 10.008C6.04805 9.96709 6.15504 9.94654 6.26292 9.94747C6.3708 9.94841 6.47742 9.97082 6.57655 10.0134C6.67568 10.056 6.76533 10.1179 6.84028 10.1955L9.32978 12.685L14.8835 7.13074C14.9589 7.05524 15.0485 6.99534 15.1471 6.95448C15.2458 6.91361 15.3515 6.89258 15.4582 6.89258C15.5649 6.89258 15.6706 6.91361 15.7692 6.95448C15.8679 6.99534 15.9575 7.05524 16.0329 7.13074Z\" fill=\"white\"><\/path><\/g><\/g><defs><clippath id=\"clip0_426_2\"><rect width=\"22\" height=\"22\" fill=\"white\"><\/rect><\/clippath><\/defs><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Controle sobre o seguro de empr\u00e9stimos hipotec\u00e1rios: <\/b> <br>Com os empr\u00e9stimos convencionais, a maioria dos mutu\u00e1rios pode cancelar o seguro hipotec\u00e1rio privado (PMI) quando atingirem um patrim\u00f4nio l\u00edquido de 20% em sua casa, reduzindo potencialmente os pagamentos mensais.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\"><g clip-path=\"url(#clip0_426_2)\"><mask id=\"mask0_426_2\" style=\"mask-type:luminance\" maskunits=\"userSpaceOnUse\" x=\"0\" y=\"0\" width=\"22\" height=\"22\"><path d=\"M22 0H0V22H22V0Z\" fill=\"white\"><\/path><\/mask><g mask=\"url(#mask0_426_2)\"><path d=\"M10.8621 21.7242C16.8611 21.7242 21.7242 16.8611 21.7242 10.8621C21.7242 4.86313 16.8611 0 10.8621 0C4.86313 0 0 4.86313 0 10.8621C0 16.8611 4.86313 21.7242 10.8621 21.7242Z\" fill=\"#0F6646\"><\/path><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M16.0329 7.13074C16.1852 7.28311 16.2708 7.48973 16.2708 7.70518C16.2708 7.92062 16.1852 8.12725 16.0329 8.27961L9.94295 14.3696C9.86247 14.4501 9.76692 14.5139 9.66176 14.5575C9.5566 14.6011 9.44388 14.6235 9.33005 14.6235C9.21622 14.6235 9.10351 14.6011 8.99835 14.5575C8.89319 14.5139 8.79764 14.4501 8.71716 14.3696L5.69141 11.3444C5.6138 11.2694 5.55191 11.1798 5.50932 11.0806C5.46674 10.9815 5.44433 10.8749 5.44339 10.767C5.44245 10.6591 5.46301 10.5521 5.50386 10.4523C5.54472 10.3524 5.60505 10.2617 5.68134 10.1854C5.75762 10.1091 5.84834 10.0488 5.94819 10.008C6.04805 9.96709 6.15504 9.94654 6.26292 9.94747C6.3708 9.94841 6.47742 9.97082 6.57655 10.0134C6.67568 10.056 6.76533 10.1179 6.84028 10.1955L9.32978 12.685L14.8835 7.13074C14.9589 7.05524 15.0485 6.99534 15.1471 6.95448C15.2458 6.91361 15.3515 6.89258 15.4582 6.89258C15.5649 6.89258 15.6706 6.91361 15.7692 6.95448C15.8679 6.99534 15.9575 7.05524 16.0329 7.13074Z\" fill=\"white\"><\/path><\/g><\/g><defs><clippath id=\"clip0_426_2\"><rect width=\"22\" height=\"22\" fill=\"white\"><\/rect><\/clippath><\/defs><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>N\u00e3o h\u00e1 taxas espec\u00edficas para o programa:<\/b><br> Ao contr\u00e1rio dos empr\u00e9stimos garantidos por ag\u00eancias governamentais, os empr\u00e9stimos convencionais normalmente n\u00e3o incluem taxas adicionais espec\u00edficas do programa de empr\u00e9stimo, como taxas de financiamento inicial MIP ou VA, o que os torna uma op\u00e7\u00e3o econ\u00f4mica.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\"><g clip-path=\"url(#clip0_426_2)\"><mask id=\"mask0_426_2\" style=\"mask-type:luminance\" maskunits=\"userSpaceOnUse\" x=\"0\" y=\"0\" width=\"22\" height=\"22\"><path d=\"M22 0H0V22H22V0Z\" fill=\"white\"><\/path><\/mask><g mask=\"url(#mask0_426_2)\"><path d=\"M10.8621 21.7242C16.8611 21.7242 21.7242 16.8611 21.7242 10.8621C21.7242 4.86313 16.8611 0 10.8621 0C4.86313 0 0 4.86313 0 10.8621C0 16.8611 4.86313 21.7242 10.8621 21.7242Z\" fill=\"#0F6646\"><\/path><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M16.0329 7.13074C16.1852 7.28311 16.2708 7.48973 16.2708 7.70518C16.2708 7.92062 16.1852 8.12725 16.0329 8.27961L9.94295 14.3696C9.86247 14.4501 9.76692 14.5139 9.66176 14.5575C9.5566 14.6011 9.44388 14.6235 9.33005 14.6235C9.21622 14.6235 9.10351 14.6011 8.99835 14.5575C8.89319 14.5139 8.79764 14.4501 8.71716 14.3696L5.69141 11.3444C5.6138 11.2694 5.55191 11.1798 5.50932 11.0806C5.46674 10.9815 5.44433 10.8749 5.44339 10.767C5.44245 10.6591 5.46301 10.5521 5.50386 10.4523C5.54472 10.3524 5.60505 10.2617 5.68134 10.1854C5.75762 10.1091 5.84834 10.0488 5.94819 10.008C6.04805 9.96709 6.15504 9.94654 6.26292 9.94747C6.3708 9.94841 6.47742 9.97082 6.57655 10.0134C6.67568 10.056 6.76533 10.1179 6.84028 10.1955L9.32978 12.685L14.8835 7.13074C14.9589 7.05524 15.0485 6.99534 15.1471 6.95448C15.2458 6.91361 15.3515 6.89258 15.4582 6.89258C15.5649 6.89258 15.6706 6.91361 15.7692 6.95448C15.8679 6.99534 15.9575 7.05524 16.0329 7.13074Z\" fill=\"white\"><\/path><\/g><\/g><defs><clippath id=\"clip0_426_2\"><rect width=\"22\" height=\"22\" fill=\"white\"><\/rect><\/clippath><\/defs><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Diversas op\u00e7\u00f5es de credores:<\/b><br> Uma ampla gama de credores oferece empr\u00e9stimos convencionais, proporcionando aos mutu\u00e1rios termos e taxas competitivos, o que permite fazer compras para encontrar o melhor neg\u00f3cio.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-7ddcb3f\" data-id=\"7ddcb3f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-90fce20 elementor-widget elementor-widget-image\" data-id=\"90fce20\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"881\" height=\"1006\" src=\"https:\/\/thedocegroup.com\/wp-content\/uploads\/2023\/12\/Two-Frame-22-12-6-01.png\" class=\"attachment-full size-full wp-image-4178\" alt=\"Empr\u00e9stimos convencionais e hipoteca FHA na Fl\u00f3rida\" srcset=\"https:\/\/thedocegroup.com\/wp-content\/uploads\/2023\/12\/Two-Frame-22-12-6-01.png 881w, https:\/\/thedocegroup.com\/wp-content\/uploads\/2023\/12\/Two-Frame-22-12-6-01-263x300.png 263w, https:\/\/thedocegroup.com\/wp-content\/uploads\/2023\/12\/Two-Frame-22-12-6-01-768x877.png 768w, https:\/\/thedocegroup.com\/wp-content\/uploads\/2023\/12\/Two-Frame-22-12-6-01-600x685.png 600w\" sizes=\"(max-width: 881px) 100vw, 881px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-cbb91b3 overflow-clip elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"cbb91b3\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f2a3e13 rate_boxes_col\" data-id=\"f2a3e13\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-25e1503 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"25e1503\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-bfb17ad\" data-id=\"bfb17ad\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-457da5b elementor-widget elementor-widget-image\" data-id=\"457da5b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"881\" height=\"1006\" src=\"https:\/\/thedocegroup.com\/wp-content\/uploads\/2023\/12\/Two-Frame-22-12-1-01.png\" class=\"attachment-full size-full wp-image-4175\" alt=\"Empr\u00e9stimos convencionais\" srcset=\"https:\/\/thedocegroup.com\/wp-content\/uploads\/2023\/12\/Two-Frame-22-12-1-01.png 881w, https:\/\/thedocegroup.com\/wp-content\/uploads\/2023\/12\/Two-Frame-22-12-1-01-263x300.png 263w, https:\/\/thedocegroup.com\/wp-content\/uploads\/2023\/12\/Two-Frame-22-12-1-01-768x877.png 768w, https:\/\/thedocegroup.com\/wp-content\/uploads\/2023\/12\/Two-Frame-22-12-1-01-600x685.png 600w\" sizes=\"(max-width: 881px) 100vw, 881px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-a91bb2a\" data-id=\"a91bb2a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2160059 elementor-widget elementor-widget-heading\" data-id=\"2160059\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Quais s\u00e3o as desvantagens?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-477ec59 elementor-align-start elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"477ec59\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"22\" height=\"22\" viewbox=\"0 0 22 22\" fill=\"none\"><g clip-path=\"url(#clip0_427_2)\"><path d=\"M11.0002 21.1127C16.5851 21.1127 21.1127 16.5851 21.1127 11.0002C21.1127 5.41521 16.5851 0.887695 11.0002 0.887695C5.41521 0.887695 0.887695 5.41521 0.887695 11.0002C0.887695 16.5851 5.41521 21.1127 11.0002 21.1127Z\" fill=\"#0F6747\" stroke=\"#0F6747\"><\/path><path d=\"M12.9971 11.0587C12.9971 11.5725 12.793 12.0653 12.4296 12.4286C12.0663 12.7919 11.5734 12.9961 11.0596 12.9961C10.5457 12.9961 10.0529 12.7919 9.68955 12.4286C9.3262 12.0653 9.12207 11.5725 9.12207 11.0587C9.12207 10.5447 9.3262 10.0519 9.68955 9.68857C10.0529 9.32522 10.5457 9.12109 11.0596 9.12109C11.5734 9.12109 12.0663 9.32522 12.4296 9.68857C12.793 10.0519 12.9971 10.5447 12.9971 11.0587Z\" stroke=\"white\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M4.60107 11.0599C5.63442 8.41393 8.04726 6.53906 11.0595 6.53906C14.0717 6.53906 16.4845 8.41393 17.5179 11.0599C16.4845 13.706 14.0717 15.5808 11.0595 15.5808C8.04726 15.5808 5.63442 13.706 4.60107 11.0599Z\" stroke=\"white\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/g><defs><clippath id=\"clip0_427_2\"><rect width=\"22\" height=\"22\" fill=\"white\"><\/rect><\/clippath><\/defs><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Requisitos mais rigorosos:<\/b> <br>Os empr\u00e9stimos convencionais geralmente exigem pontua\u00e7\u00f5es de cr\u00e9dito mais altas e entradas maiores em compara\u00e7\u00e3o com os empr\u00e9stimos apoiados pelo governo, o que pode n\u00e3o ser vi\u00e1vel para todos os mutu\u00e1rios.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0fc356c flex-column elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0fc356c\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-086958d\" data-id=\"086958d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3029a78 elementor-widget elementor-widget-heading\" data-id=\"3029a78\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Empr\u00e9stimos convencionais<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b88f1c6 elementor-widget elementor-widget-text-editor\" data-id=\"b88f1c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Os empr\u00e9stimos convencionais, uma escolha popular entre os compradores de im\u00f3veis, destacam-se por sua versatilidade e variedade de op\u00e7\u00f5es. Esses empr\u00e9stimos n\u00e3o s\u00e3o garantidos pelo governo, mas seguem as diretrizes estabelecidas pela Fannie Mae, Freddie Mac e outros participantes do mercado secund\u00e1rio. Eles oferecem v\u00e1rios prazos, como 8, 10, 15, 20, 25 e 30 anos, com op\u00e7\u00f5es de taxas fixas e ajust\u00e1veis. Essa flexibilidade atende a um amplo espectro de compradores de im\u00f3veis, desde compradores de primeira viagem at\u00e9 investidores experientes.<\/p><p>Para mutu\u00e1rios com perfis de cr\u00e9dito s\u00f3lidos, os empr\u00e9stimos convencionais geralmente apresentam taxas de juros e termos mais favor\u00e1veis. Eles exigem uma entrada m\u00ednima, que pode ser t\u00e3o baixa quanto 3% para compradores de primeira viagem, embora uma entrada de 20% elimine a necessidade do seguro hipotec\u00e1rio privado (PMI). A aus\u00eancia do PMI n\u00e3o apenas reduz os pagamentos mensais, mas tamb\u00e9m contribui para um patrim\u00f4nio l\u00edquido mais significativo no im\u00f3vel ao longo do tempo.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-0c45bf7\" data-id=\"0c45bf7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d06cadf elementor-widget elementor-widget-image\" data-id=\"d06cadf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/thedocegroup.com\/wp-content\/uploads\/elementor\/thumbs\/Two-Frame12121-01-qke7o14k3m91oqwiwaux0o31n58x81sal6z5kozucw.png\" title=\"Empr\u00e9stimo hipotec\u00e1rio no exterior\" alt=\"Empr\u00e9stimo hipotec\u00e1rio no exterior\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e354399 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e354399\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e72dcbf\" data-id=\"e72dcbf\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-30eeec6 elementor-widget elementor-widget-heading\" data-id=\"30eeec6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Flexibilidade dos empr\u00e9stimos convencionais para diversos tipos de propriedades<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8192b87 elementor-widget elementor-widget-text-editor\" data-id=\"8192b87\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>O processo de solicita\u00e7\u00e3o de um empr\u00e9stimo convencional envolve uma an\u00e1lise abrangente da situa\u00e7\u00e3o financeira do mutu\u00e1rio, incluindo renda, ativos, pontua\u00e7\u00e3o de cr\u00e9dito e \u00edndice de endividamento. Essa avalia\u00e7\u00e3o minuciosa garante que os mutu\u00e1rios recebam um empr\u00e9stimo adaptado \u00e0s suas capacidades financeiras espec\u00edficas e \u00e0s suas metas de aquisi\u00e7\u00e3o da casa pr\u00f3pria.<\/p><p><span style=\"font-weight: 400;\">Os empr\u00e9stimos convencionais tamb\u00e9m oferecem um grau de flexibilidade quanto ao tipo de propriedades que cobrem, incluindo resid\u00eancias prim\u00e1rias, segundas resid\u00eancias e propriedades para investimento. Esse aspecto os torna uma op\u00e7\u00e3o adequada para v\u00e1rias inten\u00e7\u00f5es de compra, desde a compra da casa dos sonhos at\u00e9 o investimento em im\u00f3veis. Com sua gama diversificada e recursos adapt\u00e1veis, os empr\u00e9stimos convencionais continuam a ser uma op\u00e7\u00e3o confi\u00e1vel e popular para o financiamento da casa pr\u00f3pria no mercado atual.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-97240cd elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"97240cd\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6189220\" data-id=\"6189220\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b05c75f elementor-widget elementor-widget-heading\" data-id=\"b05c75f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Perguntas frequentes (FAQs)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c52cce hoverAccordion-1 elementor-widget elementor-widget-accordion\" data-id=\"2c52cce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-4641\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-4641\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus-circle\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm144 276c0 6.6-5.4 12-12 12h-92v92c0 6.6-5.4 12-12 12h-56c-6.6 0-12-5.4-12-12v-92h-92c-6.6 0-12-5.4-12-12v-56c0-6.6 5.4-12 12-12h92v-92c0-6.6 5.4-12 12-12h56c6.6 0 12 5.4 12 12v92h92c6.6 0 12 5.4 12 12v56z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus-circle\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zM124 296c-6.6 0-12-5.4-12-12v-56c0-6.6 5.4-12 12-12h264c6.6 0 12 5.4 12 12v56c0 6.6-5.4 12-12 12H124z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Posso usar um empr\u00e9stimo convencional para comprar uma segunda resid\u00eancia ou propriedade para investimento?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-4641\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-4641\"><p>Sim, os empr\u00e9stimos convencionais oferecem a flexibilidade de financiar n\u00e3o apenas resid\u00eancias prim\u00e1rias, mas tamb\u00e9m segundas resid\u00eancias e propriedades de investimento. Essa adaptabilidade os torna a escolha ideal para uma variedade de investimentos imobili\u00e1rios ou propriedades de f\u00e9rias, enquanto os investidores que buscam financiamento baseado em renda geralmente recorrem a <a href=\"https:\/\/thedocegroup.com\/dscr-loans-florida\/\" target=\"_blank\" rel=\"noopener\">Empr\u00e9stimos DSCR<\/a>.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-4642\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-4642\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus-circle\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm144 276c0 6.6-5.4 12-12 12h-92v92c0 6.6-5.4 12-12 12h-56c-6.6 0-12-5.4-12-12v-92h-92c-6.6 0-12-5.4-12-12v-56c0-6.6 5.4-12 12-12h92v-92c0-6.6 5.4-12 12-12h56c6.6 0 12 5.4 12 12v92h92c6.6 0 12 5.4 12 12v56z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus-circle\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zM124 296c-6.6 0-12-5.4-12-12v-56c0-6.6 5.4-12 12-12h264c6.6 0 12 5.4 12 12v56c0 6.6-5.4 12-12 12H124z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">O que \u00e9 um empr\u00e9stimo convencional sem PMI?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-4642\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-4642\"><p>Um empr\u00e9stimo convencional sem PMI \u00e9 um empr\u00e9stimo imobili\u00e1rio que n\u00e3o exige seguro hipotec\u00e1rio privado. O PMI geralmente \u00e9 adicionado se voc\u00ea der uma entrada inferior a 20%. Para evit\u00e1-lo, a maioria dos credores pede uma entrada de pelo menos 20% ou um cr\u00e9dito muito forte. Sem o PMI, seu pagamento mensal cobre apenas o empr\u00e9stimo e os juros, n\u00e3o o seguro extra.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-4643\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-4643\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus-circle\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm144 276c0 6.6-5.4 12-12 12h-92v92c0 6.6-5.4 12-12 12h-56c-6.6 0-12-5.4-12-12v-92h-92c-6.6 0-12-5.4-12-12v-56c0-6.6 5.4-12 12-12h92v-92c0-6.6 5.4-12 12-12h56c6.6 0 12 5.4 12 12v92h92c6.6 0 12 5.4 12 12v56z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus-circle\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zM124 296c-6.6 0-12-5.4-12-12v-56c0-6.6 5.4-12 12-12h264c6.6 0 12 5.4 12 12v56c0 6.6-5.4 12-12 12H124z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Como minha pontua\u00e7\u00e3o de cr\u00e9dito afeta a taxa de juros do meu empr\u00e9stimo convencional? <\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-4643\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-4643\"><p>Sua pontua\u00e7\u00e3o de cr\u00e9dito desempenha um papel crucial na determina\u00e7\u00e3o da taxa de juros de seu empr\u00e9stimo convencional. Em geral, uma pontua\u00e7\u00e3o de cr\u00e9dito mais alta pode ajud\u00e1-lo a garantir uma taxa de juros mais baixa, levando a termos de empr\u00e9stimo mais favor\u00e1veis e, potencialmente, economizando seu dinheiro ao longo do tempo.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-4644\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-4644\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus-circle\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm144 276c0 6.6-5.4 12-12 12h-92v92c0 6.6-5.4 12-12 12h-56c-6.6 0-12-5.4-12-12v-92h-92c-6.6 0-12-5.4-12-12v-56c0-6.6 5.4-12 12-12h92v-92c0-6.6 5.4-12 12-12h56c6.6 0 12 5.4 12 12v92h92c6.6 0 12 5.4 12 12v56z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus-circle\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zM124 296c-6.6 0-12-5.4-12-12v-56c0-6.6 5.4-12 12-12h264c6.6 0 12 5.4 12 12v56c0 6.6-5.4 12-12 12H124z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Posso refinanciar um empr\u00e9stimo hipotec\u00e1rio existente com um empr\u00e9stimo convencional?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-4644\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-4644\"><p>Sim, voc\u00ea pode refinanciar um empr\u00e9stimo hipotec\u00e1rio existente com um empr\u00e9stimo convencional, o que pode ser uma medida estrat\u00e9gica para obter uma taxa de juros mais baixa, alterar o prazo do empr\u00e9stimo ou aproveitar o patrim\u00f4nio l\u00edquido da casa. O refinanciamento com um empr\u00e9stimo convencional tamb\u00e9m pode ajudar a consolidar d\u00edvidas ou ajustar os pagamentos mensais de acordo com sua situa\u00e7\u00e3o financeira atual.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-4645\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-4645\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus-circle\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm144 276c0 6.6-5.4 12-12 12h-92v92c0 6.6-5.4 12-12 12h-56c-6.6 0-12-5.4-12-12v-92h-92c-6.6 0-12-5.4-12-12v-56c0-6.6 5.4-12 12-12h92v-92c0-6.6 5.4-12 12-12h56c6.6 0 12 5.4 12 12v92h92c6.6 0 12 5.4 12 12v56z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus-circle\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zM124 296c-6.6 0-12-5.4-12-12v-56c0-6.6 5.4-12 12-12h264c6.6 0 12 5.4 12 12v56c0 6.6-5.4 12-12 12H124z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">O seguro de empr\u00e9stimo hipotec\u00e1rio \u00e9 obrigat\u00f3rio para todos os empr\u00e9stimos convencionais?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-4645\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-4645\"><p>O seguro de empr\u00e9stimo hipotec\u00e1rio \u00e9 exigido para a maioria dos empr\u00e9stimos convencionais com uma entrada inferior a 20%. Entretanto, depois de acumular 20% de patrim\u00f4nio l\u00edquido em sua casa, voc\u00ea pode solicitar a remo\u00e7\u00e3o do seguro de empr\u00e9stimo hipotec\u00e1rio, o que pode reduzir seus pagamentos mensais. Mesmo que voc\u00ea n\u00e3o pe\u00e7a ao seu agente para cancelar o PMI, em geral, o agente deve encerrar automaticamente o PMI na data em que o saldo principal estiver programado para atingir 78% do valor original da sua casa. Para que o PMI seja cancelado nessa data, voc\u00ea precisa estar em dia com seus pagamentos.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-4646\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-4646\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus-circle\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm144 276c0 6.6-5.4 12-12 12h-92v92c0 6.6-5.4 12-12 12h-56c-6.6 0-12-5.4-12-12v-92h-92c-6.6 0-12-5.4-12-12v-56c0-6.6 5.4-12 12-12h92v-92c0-6.6 5.4-12 12-12h56c6.6 0 12 5.4 12 12v92h92c6.6 0 12 5.4 12 12v56z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus-circle\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zM124 296c-6.6 0-12-5.4-12-12v-56c0-6.6 5.4-12 12-12h264c6.6 0 12 5.4 12 12v56c0 6.6-5.4 12-12 12H124z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Quais s\u00e3o os custos de fechamento de um empr\u00e9stimo convencional?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-4646\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-4646\"><p>Os custos de fechamento para empr\u00e9stimos convencionais, incluindo taxas do credor, seguro do t\u00edtulo e taxas de avalia\u00e7\u00e3o, podem variar. Geralmente, eles variam de 2% a 4% do valor do empr\u00e9stimo e podem ser influenciados por fatores como o tamanho do empr\u00e9stimo, os pontos pagos e a complexidade da transa\u00e7\u00e3o.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-4647\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-4647\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus-circle\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm144 276c0 6.6-5.4 12-12 12h-92v92c0 6.6-5.4 12-12 12h-56c-6.6 0-12-5.4-12-12v-92h-92c-6.6 0-12-5.4-12-12v-56c0-6.6 5.4-12 12-12h92v-92c0-6.6 5.4-12 12-12h56c6.6 0 12 5.4 12 12v92h92c6.6 0 12 5.4 12 12v56z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus-circle\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zM124 296c-6.6 0-12-5.4-12-12v-56c0-6.6 5.4-12 12-12h264c6.6 0 12 5.4 12 12v56c0 6.6-5.4 12-12 12H124z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Qual \u00e9 a diferen\u00e7a entre um empr\u00e9stimo hipotec\u00e1rio com taxa fixa e um empr\u00e9stimo com taxa ajust\u00e1vel em empr\u00e9stimos convencionais?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-4647\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-4647\"><p>Em um empr\u00e9stimo hipotec\u00e1rio com taxa fixa, a taxa de juros permanece constante durante toda a vida do empr\u00e9stimo, oferecendo estabilidade e previsibilidade nos pagamentos mensais. Por outro lado, um empr\u00e9stimo hipotec\u00e1rio com taxa ajust\u00e1vel come\u00e7a com uma taxa fixa por um per\u00edodo espec\u00edfico, ap\u00f3s o qual a taxa \u00e9 ajustada em intervalos predeterminados, o que pode levar a pagamentos flutuantes.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-4648\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-4648\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus-circle\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm144 276c0 6.6-5.4 12-12 12h-92v92c0 6.6-5.4 12-12 12h-56c-6.6 0-12-5.4-12-12v-92h-92c-6.6 0-12-5.4-12-12v-56c0-6.6 5.4-12 12-12h92v-92c0-6.6 5.4-12 12-12h56c6.6 0 12 5.4 12 12v92h92c6.6 0 12 5.4 12 12v56z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus-circle\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zM124 296c-6.6 0-12-5.4-12-12v-56c0-6.6 5.4-12 12-12h264c6.6 0 12 5.4 12 12v56c0 6.6-5.4 12-12 12H124z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">H\u00e1 alguma penalidade de pr\u00e9-pagamento em empr\u00e9stimos convencionais?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-4648\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-4648\"><p>Atualmente, a maioria dos empr\u00e9stimos convencionais n\u00e3o imp\u00f5e penalidades de pr\u00e9-pagamento, permitindo aos mutu\u00e1rios a flexibilidade de pagar o empr\u00e9stimo antecipadamente sem taxas adicionais. Isso pode ser ben\u00e9fico se voc\u00ea quiser reduzir os custos de juros ao longo da vida do empr\u00e9stimo.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-4649\" class=\"elementor-tab-title\" data-tab=\"9\" role=\"button\" aria-controls=\"elementor-tab-content-4649\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus-circle\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm144 276c0 6.6-5.4 12-12 12h-92v92c0 6.6-5.4 12-12 12h-56c-6.6 0-12-5.4-12-12v-92h-92c-6.6 0-12-5.4-12-12v-56c0-6.6 5.4-12 12-12h92v-92c0-6.6 5.4-12 12-12h56c6.6 0 12 5.4 12 12v92h92c6.6 0 12 5.4 12 12v56z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus-circle\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zM124 296c-6.6 0-12-5.4-12-12v-56c0-6.6 5.4-12 12-12h264c6.6 0 12 5.4 12 12v56c0 6.6-5.4 12-12 12H124z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Quanto tempo leva o processo de aprova\u00e7\u00e3o do empr\u00e9stimo? <\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-4649\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"9\" role=\"region\" aria-labelledby=\"elementor-tab-title-4649\"><p>O processo de aprova\u00e7\u00e3o do empr\u00e9stimo convencional pode variar em termos de dura\u00e7\u00e3o, normalmente de 15 a 45 dias. O cronograma depende de v\u00e1rios fatores, inclusive a complexidade de sua situa\u00e7\u00e3o financeira, a min\u00facia da documenta\u00e7\u00e3o fornecida e o tempo de processamento do credor.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-46410\" class=\"elementor-tab-title\" data-tab=\"10\" role=\"button\" aria-controls=\"elementor-tab-content-46410\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus-circle\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm144 276c0 6.6-5.4 12-12 12h-92v92c0 6.6-5.4 12-12 12h-56c-6.6 0-12-5.4-12-12v-92h-92c-6.6 0-12-5.4-12-12v-56c0-6.6 5.4-12 12-12h92v-92c0-6.6 5.4-12 12-12h56c6.6 0 12 5.4 12 12v92h92c6.6 0 12 5.4 12 12v56z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus-circle\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zM124 296c-6.6 0-12-5.4-12-12v-56c0-6.6 5.4-12 12-12h264c6.6 0 12 5.4 12 12v56c0 6.6-5.4 12-12 12H124z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Cidad\u00e3os de fora dos EUA podem solicitar empr\u00e9stimos convencionais? <\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-46410\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"10\" role=\"region\" aria-labelledby=\"elementor-tab-title-46410\"><p>Cidad\u00e3os de fora dos EUA podem solicitar empr\u00e9stimos convencionais, desde que atendam \u00e0s exig\u00eancias do credor. No The <a href=\"https:\/\/thedocegroup.com\/\" target=\"_blank\" rel=\"noopener\">Grupo Doce<\/a>Os requerentes n\u00e3o-cidad\u00e3os podem ter um visto v\u00e1lido, algum hist\u00f3rico de cr\u00e9dito nos EUA ou em seu pa\u00eds de origem e comprovante de renda. Os credores podem ter diretrizes espec\u00edficas para candidatos n\u00e3o cidad\u00e3os para garantir a elegibilidade do empr\u00e9stimo.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Exploring Conventional Loans: Key Insights for Homebuyers Unlock the potential of homeownership with conventional loans, offering a blend of flexibility, affordability, and diversity in property choices to fit various homebuyer needs. Key Points Diverse Loan Options Conventional loans include both conforming and jumbo loans, accommodating a range of borrowing needs. Flexibility in Terms and Property [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"inline_featured_image":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"class_list":["post-4627","page","type-page","status-publish","hentry"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 4.9.5.2 - aioseo.com -->\n\t<meta name=\"description\" content=\"Get flexible and affordable conventional home loan options with The Doce Group. 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